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The ancillary costs related to international healthcare are often overlooked – most people tend to have visions of emergency evacuations, air ambulances and near-death experiences when thinking about medical insurance. In reality, whilst having an effective and rapid back-up for air evacuation is indeed important, in the vast majority of cases, the role of international medical assistance is far less dramatic though no less important
When choosing a medical healthcare policy many people forget to look at the cover for smaller items, which can easily add up. For someone visiting a GP whilst abroad, for a cut to the leg for example, they might be expected to pay for the cost of the doctor’s visit, a tetanus injection, a course of antibiotics, together with all the bandages and dressings needed to treat the wound. These items all add up over time, and so it is essential that potential customers choose an insurer with a flexible approach to covering these costs, so they find they have not used their “allowance” later on.
Medicare International’s popular Executive International policy is a good example of this in practice. A full refund is given for all outpatient services, including drugs and dressings. There is also no excess on physiotherapy, a common requirement where limbs may have been broken or joints damaged, a cost which is often capped by some insurers. In addition to specialist and consultant fees, complementary therapies and prescription drugs are all included in the policy. The £100 excess per claim can be waived if the customer pays an additional 20% over the quoted annual premium rate.
Choosing the right policy for your client therefore means going beyond the narrow confines of price and cover. Clients will not thank you for saving a few pounds on a policy which was unable to deliver care when it was needed. The right policy must provide peace of mind in every medical related eventuality.
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